UK & Europe

UK & Europe Calculators Hub

Tax, VAT, and country-specific net-salary tools for the UK, Germany, France, the Netherlands and across Europe — all free.

Who keeps most of their salary in Europe?

Estimated 2026 take-home pay for a single employee on a typical gross salary in each country’s own currency, after income tax and employee social contributions. Click a country to run your own numbers.

CountryExample grossNet / yearNet / monthKeeps
🇨🇭 SwitzerlandCHF 90,000CHF 75,413CHF 6,28484%
🇬🇧 United Kingdom£50,000£39,520£3,29379%
🇳🇱 Netherlands€60,000€46,987€3,91678%
🇩🇪 Germany€60,000€37,551€3,12963%
🇸🇪 SwedenSEK 600,000SEK 364,980SEK 30,41561%
🇫🇷 France€60,000€36,116€3,01060%
🇦🇹 Austria€60,000€31,705€2,64253%
🇧🇪 Belgium€60,000€28,102€2,34247%

Planning estimates only — figures use national averages where rates vary locally (Swiss canton, Swedish municipality), exclude church tax and surcharges, and salaries are not currency-adjusted between countries. Cost of living differs; a higher keep-rate is not automatically a higher standard of living.

Same salary, different rules — why each country needs its own calculator

Every tool in this suite runs on country-specific 2026 rules, not a generic percentage. The Germany calculator applies the official §32a EStG income-tax formula plus solidarity surcharge and social-insurance contributions up to their assessment ceilings. The France calculator models the CSG/CRDS social charges that come out of pay before income tax is even assessed. The Netherlands calculator includes the general tax credit and labour credit whose taper makes Dutch take-home unusually progressive. And the UK calculator applies income tax bands alongside National Insurance, including the 60% effective marginal rate where the personal allowance tapers away between £100,000 and £125,140.

That is why the same €60,000 salary produces very different net pay: roughly €37,551 in Germany, €36,116 in France, and €46,987 in the Netherlands (single employee, no church tax — the figures in the table above come from the same engine). Use a country calculator for a detailed breakdown of your own salary, the European comparison tool to see several countries side by side, or the EU VAT calculator for consumption-tax rates across member states. If you earn a round salary, the UK and Germany take-home tables give instant answers for common salary levels without entering anything.